Stable Sea
Stable Sea Terminal is an enterprise orchestration platform that lets corporate treasury teams, fintechs, payment service providers, and crypto-native businesses move money across 40+ countries, manage multi-network stablecoin wallets, and earn yield on tokenized money-market funds via a unified dashboard and API.
- Company typePrivate
- Founded2025
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Stable Sea does
Stable Sea is an enterprise-focused fintech that operates Stable Sea Terminal, a unified orchestration platform that lets corporate treasury teams, fintechs and payment service providers, and crypto-native businesses move, manage, and earn yield on capital using stablecoin and tokenized digital-asset infrastructure. Founded in San Francisco by former Block Inc. engineers and emerging from stealth in March 2025 alongside a $3.5M seed round led by Kindred Ventures, the company targets the $35 trillion annual global B2B cross-border payments market and the $5 trillion in idle U.S. corporate cash, with particular emphasis on Fortune 500 treasury functions, global fintechs/PSPs and Web3/crypto-native businesses that require enterprise-grade ticket sizes and regulated custody.
The core technology combines a Web Dashboard with a unified Enterprise API that aggregates stablecoin networks, regulated custodians (BitGo Bank & Trust, N.A., with up to $250M insurance on qualified custody), local payment rails (dLocal across 40+ countries and 900+ local payment methods), and broker-dealer access to tokenized money-market funds (WisdomTree Treasury Money Market Digital Fund / WTGXX, distributed via WisdomTree Securities, Inc.). Product modules include Multi-Wallet Management with role-based policy controls, USD on/off-ramping up to $50M per ticket, an AI Rate & Conversion Insights Tool for indicative FX estimates, and direct ERP/accounting integrations with audit-ready sub-ledgering; an AI Insights engine sits alongside deterministic smart routing and automated cash-sweep logic. Customer-facing capabilities include transaction-level OFAC screening, travel-rule messaging, KYB/KYT checks, dual approvals, time locks and velocity caps configured for treasury-grade controls.
Revenue is generated through four mechanisms: FX spread / transaction margin on stablecoin-to-fiat off-ramps (marketed as "no markups"), recurring Enterprise API / SaaS platform fees under multi-year contracts, bespoke professional-services revenue (On-Chain Financial Strategy advisory, Custom Payment Orchestration, Whitelabel Implementations, Deep API Customization), and spread or facilitation economics on tokenized RWA flows routed through WisdomTree. Go-to-market is hybrid — a self-serve Web Dashboard and Enterprise API for developer-led adoption, plus a sales-led enterprise motion and a channel/partner motion through BitGo, dLocal and WisdomTree. The company is venture-backed (~$5.5M raised across a $3.5M seed in March 2025 and a ~$2M round in November 2025), operates with 1–10 employees, and does not disclose revenue.
Stable Sea firmographics
Firmographics- Name
- Stable Sea
- Legal name
- Stable Sea Inc
- Website
- https://stablesea.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Stable Sea Terminal is an enterprise orchestration platform that lets corporate treasury teams, fintechs, payment service providers, and crypto-native businesses move money across 40+ countries, manage multi-network stablecoin wallets, and earn yield on tokenized money-market funds via a unified dashboard and API.
- Ownership category
- akta.pro rank
Stable Sea industry classification
Industry- Product category
- Enterprise Stablecoin Treasury and Payments Software
- NAICS
- Support Activities for Water Transportation (4883)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)
- akta.pro secondary industry
- Mint/Redeem, Issuance APIs & Treasury Operations Platforms (FSADADAE)
Keywords
Where Stable Sea is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Stable Sea business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- FX spread / transaction margin on stablecoin-to-fiat off-ramps: Earned on each on/off-ramp trade (up to $50M per ticket) by providing institutional-grade FX pricing between stablecoins and local fiat across 40+ countries. Pricing described as 'cheapest FX on the market' with no markups — model is spread-based on aggregated deep liquidity from partner providers.
- Enterprise API / SaaS platform fees: Recurring fees from fintechs, PSPs and enterprises embedding Stable Sea's Enterprise API for stablecoin on/off-ramps, bespoke stablecoin workflows, multi-wallet management, multi-network routing and role-based controls under custom enterprise agreements.
- Custom & whitelabel professional services: Revenue from bespoke engagements including On-Chain Financial Strategy advisory, Custom Payment Orchestration design, Whitelabel Platform Implementations and Deep API Customization, where partners deploy Stable Sea infrastructure under their own brand.
- Yield / treasury management economics on tokenized RWA flows: Spread, facilitation or distribution economics on volume routed through tokenized money market fund (WTGXX) and other real-world-asset workflows integrated via WisdomTree Securities, Inc. broker-dealer relationship.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Stablecoin off-ramp / on-ramp — quote-based institutional FX, up to $50M per trade |
| Other | Multi-year contract | Enterprise API platform — bespoke enterprise contracts |
| Usage-based | Pay-as-you-go | Tokenized money market fund access — no minimums, yield up to 3.43% APY |
| Freemium | Other | Self-serve sign-up — free platform evaluation |
Go-to-market motion5 records
Distribution channels5 records
Marketing channels6 records
Stable Sea product offering
Product offeringCore offering
Stable Sea builds and operates Stable Sea Terminal, an enterprise-grade orchestration platform that lets businesses connect wallets and bank accounts, move money globally via stablecoin-powered B2B payments, convert between stablecoins and local fiat through on/off-ramps up to $50M per ticket, and earn yield on operating cash via tokenized money market funds. The platform is exposed via a Web Dashboard for finance teams and a unified Enterprise API for embedding into customer systems, and is backed by integrations with BitGo for regulated custody, WisdomTree for tokenized RWA funds, and dLocal for last-mile local payouts across 40+ countries.
Product overview
Stable Sea offers a platform-plus-modules architecture centered on Stable Sea Terminal—a unified, enterprise-grade dashboard and product surface for moving, managing, and growing corporate treasury capital using stablecoin and digital asset infrastructure. Stable Sea Terminal is exposed both through a Web Dashboard for finance teams and a Stable Sea Enterprise API for embedding into customer systems, and is extended by named modules including Multi-Wallet Management, the Tokenized Treasury Access integration (WisdomTree WTGXX), Enterprise USD On/Off Ramping, and the AI Rate & Conversion Insights Tool. Underpinning these are technical integrations with BitGo (custody/Crypto-as-a-Service), dLocal (local payment rails across 40+ countries), and WisdomTree (tokenized RWA funds via WisdomTree Securities). Wrapping the platform, Stable Sea also delivers bespoke services—Whitelabel Platform Implementations, Custom Payment Orchestration, On-Chain Financial Strategy Advisory, and Deep API Customization—for fintechs, PSPs, Fortune 500 companies, and Web3/crypto-native businesses.
Differentiator
Problem solved
Functional benefit
Brands
- Stable Sea Terminal: Flagship enterprise-grade platform that lets global businesses move, manage, and grow treasury capital using stablecoin and digital asset infrastructure.
- Stable Sea Enterprise API
- Stable Sea Multi-Wallet Management
Products and services
- Stable Sea Terminal Flagship unified dashboard and platform that lets global businesses move, manage, and grow treasury capital using stablecoin and digital asset infrastructure, combining global B2B payments, yield-bearing tokenized RWA investments, Bitcoin custody, on/off-ramps, multi-wallet management, ERP/accounting integrations, and role-based controls. Built for fintechs, PSPs, and global enterprises.
- Stable Sea Enterprise API Unified API for embedding Stable Sea's stablecoin treasury and payments functionality directly into enterprise fintech, treasury, and ERP systems. Capabilities include on/off-ramps up to $50M per ticket, bespoke stablecoin support, multi-wallet management, multi-network routing, and role-based access controls.
- Multi-Wallet Management (MWM) Module within Stable Sea Terminal that lets enterprises create, connect, and govern multiple onchain wallets alongside traditional bank accounts from a single dashboard, with secure key management, real-time balances, transaction monitoring, and a unified audit-ready ledger.
- Tokenized Treasury Access (WisdomTree WTGXX Integration) Embedded workflow inside Stable Sea Terminal that enables eligible businesses to invest operating cash in WisdomTree's tokenized money market fund (starting with WTGXX), offering up to 3.43% APY yield, daily interest accrual, 24/7 trading with instant settlement, no minimums, and automated cash sweeps via a broker-dealer relationship with WisdomTree Securities, Inc.
- Enterprise USD On/Off Ramping Enterprise-grade stablecoin-to-USD and USD-to-stablecoin conversion supporting single transactions up to $50 million, with industry-leading FX rates, designed to eliminate the FX penalty (up to 15 bps) businesses face when moving between stablecoins and USD across 40+ countries.
- AI Rate and Conversion Insights Tool AI-powered tool within Stable Sea Terminal that provides algorithmically generated, non-binding indicative estimates of potential fiat conversion rates for USDC and other digital assets, drawing on aggregated market, blockchain, and institutional reference data to support treasury and FX decisions.
- Whitelabel Platform Implementations Service that enables partners to deploy Stable Sea's onchain financial infrastructure directly within their own products and platforms under their own brand, powering global payments, onchain treasury, and fintech/crypto applications without building the infrastructure in-house.
- Custom Payment Orchestration Bespoke service designing payment infrastructure that connects stablecoins, local payment rails, liquidity providers, and banking networks to a customer's operational model, optimizing FX execution, reducing prefunding, and routing payments efficiently across markets.
- On-Chain Financial Strategy Advisory Advisory service helping organizations design on-chain treasury strategies, evaluate tokenized capital markets opportunities, build digital asset governance frameworks, and navigate regulatory/compliance considerations at enterprise scale.
- Deep API Customization Engineering service that customizes Stable Sea's API endpoints, integrates with internal treasury systems and proprietary payment infrastructure, and builds automated reporting and reconciliation pipelines for customers with unique operational requirements.
Companies that use Stable Sea
Customer profileSegments5 records
Ideal customer profiles3 records
Stable Sea technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability5 records
Feature7 records
Stable Sea partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered flagship and core.
- WisdomTree (NYSE: WT)flagshipStrategic relationship to bring tokenized Treasury access to businesses via an embedded workflow in Stable Sea Terminal. Stable Sea users can establish a limited scope broker-dealer relationship with WisdomTree Securities, Inc. (FINRA member) to invest operating cash in the WisdomTree Treasury Money Market Digital Fund (WTGXX), with daily dividend accrual, continuous 24/7/365 yield allocation based on intra-day holdings, and daily liquidity availability.
- WisdomTree Securities, Inc. (FINRA member)coreSEC-registered broker-dealer entity through which Stable Sea users establish a limited scope broker-dealer relationship to facilitate transactions in WisdomTree tokenized funds (beginning with WTGXX). WisdomTree Connect institutional platform and WisdomTree Prime digital wallet services are made available through WisdomTree Digital Movement, Inc. (NMLS ID: 2372500) or WisdomTree Digital Trust Company, LLC.
- BitGo B&T, National Association (BitGo, NYSE: BTGO)flagshipStrategic partnership to provide BitGo's Crypto-as-a-Service (CaaS) infrastructure to power Stable Sea's B2B stablecoin payment and treasury management platform. Stable Sea users gain access to BitGo Trust Company custodial wallets insured up to $250M for digital assets held in qualified custody, enabling secure onchain financial workflows including B2B payments, bitcoin holdings and access to tokenized RWAs.
- dLocal (NASDAQ: DLO)flagshipStrategic partnership to enable low-cost, high-speed B2B stablecoin-powered cross-border payments by leveraging dLocal's local payment rails across more than 40 countries and 900+ local payment methods. Stable Sea users route large-ticket international payments over stablecoin rails and complete last-mile disbursements through dLocal's local payout infrastructure, targeting the $35 trillion annual global B2B cross-border payments market.
- WisdomTree ConnectcoreWisdomTree's institutional digital-asset platform integrated into Stable Sea Terminal to deliver regulated, always-on access to tokenized money market funds (WTGXX) and other digital asset services for business clients.
- BitGo Trust Company, Inc. (licensed money services business and qualified custodian)corePer Stable Sea's disclaimer, 'Stable Sea is a financial technology company, not a bank. Stable Sea does not hold or transmit your funds. Fund transfers are transmitted by BitGo Trust Company, Inc., a licensed money services business and qualified custodian.' BitGo Bank and Trust also facilitates Bitcoin purchases on the platform.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Stable Sea competitors and assessment
Company assessmentDirect peers
- Circle: Circle is the issuer of USDC and offers enterprise treasury, on/off-ramps, and cross-border payments via Circle Mint and CCTP. It directly competes with Stable Sea on stablecoin-to-fiat off-ramps, enterprise treasury accounts, and API-based payments for corporates and fintechs.
- Fireblocks: Fireblocks provides enterprise digital asset custody, wallet orchestration, and treasury management infrastructure. Its policy engine and multi-network wallet operations overlap directly with Stable Sea Terminal's multi-wallet management, multi-network routing, and role-based controls for institutional clients.
- BVNK: BVNK is a stablecoin-native payments platform offering on/off-ramps, treasury, and cross-border B2B payouts for fintechs and enterprises. It competes head-to-head with Stable Sea on aggregated liquidity, multi-currency payouts, and embedded payments infrastructure.
- Paxos: Paxos issues regulated stablecoins (USDP, PYUSD) and provides crypto brokerage, custody, and tokenization infrastructure. It overlaps with Stable Sea on enterprise-grade on/off-ramps, regulated custody rails, and tokenized RWA distribution to corporates.
- Zero Hash: Zero Hash provides embedded crypto and stablecoin infrastructure (on/off-ramps, custody, trading, staking) to fintechs and banks via API. It is a near-direct comparable to Stable Sea's Enterprise API offering for stablecoin-powered payments and treasury.
- Ripple: Ripple's payments business (Ripple Payments, RLUSD stablecoin) targets enterprise cross-border B2B settlement and treasury workflows. It competes with Stable Sea on corridor coverage, FX execution, and bank-grade compliance for large corporate flows.
- Bridge (Stripe): Bridge, acquired by Stripe, provides a stablecoin API for businesses to issue, send, and receive stablecoins. Its API-first model and embedded use cases (payroll, B2B payouts) closely parallel Stable Sea Enterprise API's value proposition.
Broad incumbents
- Coinbase Prime: Coinbase Prime is Coinbase's institutional brokerage offering custody, trading, lending, and staking services. It serves enterprise treasury teams with stablecoin balances but as part of a broader prime brokerage suite rather than as a focused treasury platform.
- Anchorage Digital: Anchorage Digital is an OCC-chartered crypto bank providing institutional custody, trading, and staking. It overlaps with Stable Sea on regulated custody and treasury for digital-asset-native corporates, though it operates as a broader institutional digital asset bank.
Emerging players
- Onramper: Onramper is an on/off-ramp aggregator that provides a unified widget/API for buying and selling crypto via local payment methods. It shares Stable Sea's aggregator model across multiple liquidity providers, but is primarily retail-focused and lighter on enterprise treasury workflows.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Stable Sea social profiles
Digital presenceStable Sea financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stable Sea leadership team
Management profileNumber of profiles
Profiles2 records
Stable Sea funding detail
Funding detailFunding overview
Funding rounds2 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stable Sea M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stable Sea
What does Stable Sea do?
Stable Sea builds and operates Stable Sea Terminal, an enterprise-grade orchestration platform that lets businesses connect wallets and bank accounts, move money globally via stablecoin-powered B2B payments, convert between stablecoins and local fiat through on/off-ramps up to $50M per ticket, and earn yield on operating cash via tokenized money market funds. The platform is exposed via a Web Dashboard for finance teams and a unified Enterprise API for embedding into customer systems, and is backed by integrations with BitGo for regulated custody, WisdomTree for tokenized RWA funds, and dLocal for last-mile local payouts across 40+ countries.
Is Stable Sea a public or private company?
Stable Sea is a private company. It is classified as venture growth investor backed and is currently operating.
When was Stable Sea founded?
Stable Sea was founded in 2025. It employs 11 to 50 people.
Where is Stable Sea based?
Stable Sea is headquartered in San Francisco, United States, in the North America region.
How does Stable Sea make money?
Four revenue lines are on record. FX spread / transaction margin on stablecoin-to-fiat off-ramps are the primary driver. The others are enterprise API / SaaS platform fees, custom & whitelabel professional services and yield / treasury management economics on tokenized RWA flows.
Who are Stable Sea's main competitors?
Direct peers on record are Circle, Fireblocks, BVNK, Paxos, Zero Hash, Ripple and Bridge (Stripe). Broad incumbents are Coinbase Prime and Anchorage Digital. Onramper is listed as an emerging player.
Does Stable Sea have an API?
Yes. Stable Sea Enterprise API is a unified REST-style API enabling businesses to embed stablecoin capabilities directly into their treasury, payment, and ERP systems. Capabilities include on/off-ramps (up to $50M per ticket), bespoke stablecoin support for issuers, multi-wallet management with policy-driven controls, multi-network routing across leading stablecoin networks, role-based user access controls, and direct ERP/accounting integrations. Available via docs at https://docs.stablesea.xyz and an Ops Dashboard for instant setup; targeting fintechs, PSPs, and global enterprises. Developer documentation is at docs.stablesea.xyz.
What industry is Stable Sea in?
Stable Sea's product category is Enterprise Stablecoin Treasury and Payments Software. Its primary akta.pro industry code is FSAPAIAJ, Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails), with a secondary code of FSADADAE, Mint/Redeem, Issuance APIs & Treasury Operations Platforms. Its NAICS code is 4883 and its SIC code is 6199.